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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $339,524 | $125,190+171.2% | $105,624+221.4% | $145,897+132.7% |
| Participation rate | 62.5% | 77.6%-15.1pp | 75.3%-12.8pp | 80.3%-17.8pp |
| Annual return | 8.07% | 225.22%-217.1pp | 116.20%-108.1pp | 552.29%-544.2pp |
| Employer contribution / active EE | $4,101 | $3,720+10.2% | $3,168+29.5% | $4,663-12.0% |
| Participant deferral / active EE | $2,893 | $5,716-49.4% | $5,013-42.3% | $6,689-56.8% |
| Admin fee / account holder | $106,672 | $17,138+522.4% | $10,961+873.2% | $13,390+696.6% |